This credit card combines rewards with low rates, offering 0.66% cashback per $1 spent on eligible purchases and a standard variable purchase rate of 13.05% p.a. It also gives you access to Visa contactless payment technology and up to 52 days interest-free on purchases when you pay your balance in full by the due date on your statements.
BCU Rewards credit card
Terms and conditions apply
- Balance transfer rate with no balance transfer fee
- 13.05% p.a.
- Purchase rate
- 13.05% p.a.
- Annual fee
- $89 p.a.
- Interest-free on purchases
- Up to 52 days
Our verdict
Get cashback as you spend and save with a low interest rate on purchases with the BCU Rewards credit card.
The BCU Rewards credit card features a relatively competitive cashback offer with the bonus of a low interest rate. The cap on the maximum cashback you can get is higher than some others on the market. It does a higher annual fee than some of the other cashback credit cards on the market though, so it’s worth comparing the costs with the rewards before you want to apply. Although the low purchase interest rate could help you save, you should aim to pay your balance in full each month and take advantage of the interest-free days on purchases.
Pros
-
Get 0.66% cashback per $1 spent on eligible transactions.
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Enjoy a low standard variable interest rate of 13.05% p.a. on purchases.
-
Receive up to 52 days interest-free on purchases.
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This card comes with 24-hour fraud monitoring.
Cons
-
Charges a 3.65% foreign transaction fee
Details
Product details
| Product Name | BCU Rewards credit card |
| Balance transfer rate p.a. | 13.05% |
| Purchase rate p.a. | Purchase rate p.a. 13.05% |
| Interest-free period | Up to 52 days on purchases |
| Cash advance rate p.a. | 14.8% |
| Min credit limit | $500 |
| Max credit limit | $20,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
| Joint application | Yes |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $89 |
| Minimum monthly repayment | 3% of the closing balance or $10, whichever is greater |
| Late payment fee | $5 |
| Foreign currency conversion fee | Foreign currency conversion fee 3.65% |
| Overseas ATM withdrawal fee | $1 |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 1 |
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Sally Finder
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Amy Bradney-George Finder
March 07, 2023
Hi Donna,
Depending on your situation, you may be eligible for Good Shepherd’s No Interest Loans(NILs).
You can also compare internet loans and learn more about them on Finder. And if you’re experiencing financial stress, you can talk to a financial counsellor for free by calling the National Debt Helpline on 1800 007 007. I hope that helps.
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Donna
February 28, 2023
How do I go about applying for a small online loan and with who can I apply so as I can get a instant reply my credit score is very good.please help.